W. Ben Keel, Jr*., W. Ben Keel, III and W. Craig Splawn are Registered Representatives of and offer securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker-dealer. Fixed and traditional life insurance is offered through Financial & Insurance Consultants, which is not affilated with Royal Alliance Associates, Inc. In this regard, this communication is strictly intended for individuals residing in the states of Texas, Colorado, Arizona, California, Louisiana, Montana, Wyoming and Utah. No offers may be made or accepted from any resident outside the specific state(s) referenced.

A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.

For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.